Toledo, OH · Charter 62879
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Toledo, OH · Charter 62879
NCUA · 1 branch
Q2 2018
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.31% | -3.13% | -1.67% | -2.34% | -2.17% | -1.92% | 0.03% | 0.50% | +284 bps | |
| Return on Equity | -39.69% | -38.83% | -22.40% | -33.51% | -33.88% | -29.94% | 0.55% | 7.42% | +4,092 bps | |
| Net Interest Margin | 3.88% | 3.96% | 3.64% | 3.72% | 3.63% | 3.72% | 3.26% | 3.35% | -37 bps | |
| Efficiency Ratio | 86.58% | 87.88% | 93.18% | 94.48% | 95.05% | 95.73% | 99.21% | 91.52% | -295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.57% | 3.05% | 7.53% | 1.74% | -3.12% | -3.43% | -3.57% | -3.64% | -538 bps | |
| Loan Growth (YoY) | -18.26% | -20.77% | -19.53% | -14.21% | -4.40% | -1.32% | 0.07% | 1.35% | +1,556 bps | |
| Share Growth (YoY) | 21.32% | 6.57% | 10.70% | 4.53% | -1.43% | -1.84% | -2.48% | -3.73% | -826 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.16% | 8.17% | 7.67% | 5.17% | 3.99% | 3.28% | 2.09% | 2.28% | -289 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.56% | 4.91% | 5.16% | 5.14% | 4.88% | 4.86% | 4.35% | 3.64% | -150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.34% | 8.06% | 7.46% | 6.99% | 6.42% | 6.42% | 6.30% | 6.70% | -29 bps | |
| Net Worth / Assets | 8.34% | 8.06% | 7.46% | 6.99% | 6.42% | 6.42% | 6.30% | 6.70% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.38% | 53.94% | 49.90% | 51.26% | 52.74% | 54.23% | 51.21% | 53.96% | +270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |